SoftPOS you can rely on
99.99%uptime
Contracted SLA with Direct-to-Customer transaction routing
- Offline under MPoCkeep taking payments for up to 24 hours if our backend is down
- Direct to your gatewayno re-platforming, and we are not in your authorisation path
- Real-time visibilityevery transaction in your systems as it happens, not at end of day
- Hardware-like speedstransaction performance in line with terminals on business-grade devices
Customers and partners using Mypinpad
What happens when a backend goes down
Mypinpad is listed and validated against PCI MPoC v1.1 across all three sub-programmes: Software, Solution, and Attestation & Monitoring Services. The listing describes what has been validated. What follows describes how the platform is built.
Offline capable, within the MPoC window
Attestation & Monitoring Services is the third MPoC sub-programme, and it permits offline operation. If our backend is unavailable, merchants keep transacting for up to 24 hours, then reconnect and re-attest.
Direct to your gateway
Transactions route direct to your existing payment gateway. Your processing relationships, settlement and host integrations stay where they are. Mypinpad is not in the critical path for authorisation.
A 99.99% service level
Direct-to-customer deployments carry a contractual 99.99% service level — DTC-GW and D2A-hard, where the decryption key stays on your side. The architecture is what makes the higher commitment possible.
Thirteen schemes. One integration.
Most providers cover the global schemes. Few also cover the domestic schemes your merchants' customers carry. Mypinpad does both, on kernels we develop, own and maintain ourselves.
- Visa
- Mastercard
- American Express
- JCB
- Discover
- Diners Club
- UnionPay
- eftposAustralia
- InteracCanada
- RuPayIndia
- EloBrazil
- BankAxeptNorway
- DankortDenmark
- JaywanUAE
- BancomatItaly
- Cartes BancairesFrance
- BancontactBelgium
In development: Jaywan and Bancomat. On the roadmap: Cartes Bancaires and Bancontact. Adding a market is a configuration change, not a new integration.
UnionPay is accepted today through a certified kernel; its dedicated Walnut kernel is awaiting its letter of approval.
Every Walnut kernel is developed and owned by Mypinpad, and every Level 2 approval behind it is maintained by Mypinpad. The capability is end to end: no third-party kernel in the payment path, and no one else's certification schedule to wait on.
Built for your role in the payment chain
Different buyers have different priorities.
The Maple platform
Payments, authentication, and software services on a single MPoC-validated platform — 1.3-second median merchant wait, five processing models, deployed under your brand.
Payments
Accept payments
SoftPOS, Tap to Pay on iPhone, white-label apps. Accept contactless payments on any device. SoftPOS is listed and validated against PCI MPoC v1.1.
Learn more- SoftPOS on Android and Tap to Pay on iPhone
- White-label apps deployed under your brand
- SDK, deeplink, or managed service integration
- Listed and validated against PCI MPoC v1.1 across all three sub-programmes
Authentication
Authenticate customers
Card activation, PIN change, step-up authentication. Replace branch visits with a tap on the consumer’s own device.
Learn more- Card activation and PIN change from the banking app
- Step-up authentication for high-value transactions
- Cardholder verification without branch visits
- Hardware-backed security on COTS devices
Software & Services
Deploy and operate
White-label apps, EMV kernel licensing, professional services, and data APIs. Everything to deploy and operate.
Learn more- Wattle and Acacia white-labelled apps
- Walnut EMV kernels for standalone licensing
- Integration assistance and certification support
- Data APIs, reporting, and real-time webhooks
Every component — SDKs, EMV kernels, backend infrastructure — developed, maintained, and operated entirely in-house. No third-party kernel or white-labelled stack in the critical path.
One tap. Four different jobs.
The same platform, doing payments, tipping, card onboarding and authentication — on the device the person already has.
Take payment at the door
Tipping, without cash
Add a card with a tap
Authenticate on your own phone
Case study
Fygaro launched certified SoftPOS across Central America in 6 weeks
From integration to live. The project won Mypinpad the Acceptance – Agility Award at the Mastercard Engage Excellence Awards 2025. SDK integrations typically take four to six weeks; host integrations into your own environment take longer.
Tell us what you are running today
We will tell you what moving looks like. A scoping conversation, not a sales demo.